Individual skill

emergency-fund-planner

Sizes an emergency fund from essential expenses and household risk tier, picks the right account, and builds the funding and replenishment schedule. Use when someone asks "how much should I have in savings", "how big should my emergency fund be", "where should I keep my emergency fund", or "should I save or pay off debt first". Do NOT use for sequencing debt payoff itself - use debt-payoff-planner instead; for planned irregular expenses like car registration or gifts, those are sinking funds - use budget-builder; for the full save-vs-invest ordering - use financial-planner.

skills/emergency-fund-planner/SKILL.md

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Repository last updated: Oct 13, 2026
License: MIT

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claude Repository topic
claude-skills Repository topic
skill-me Repository topic
finance Derived category

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# Emergency Fund Planner

An emergency fund is not a savings account - it is insurance against being forced into high-interest debt during a crisis. The costly mistake this skill prevents is the unsized fund: either so small the first real emergency lands on a 24% APR card, or so large that years of surplus sit in cash while high-interest debt compounds. Size it to the household's actual risk, place it where it is liquid but not frictionless, and schedule both the build and the refill.

## Operating procedure

### Step 1: Gather inputs

Label guesses as guesses; refine from statements.

1. Essential monthly expenses only - the costs that cannot be paused: rent or mortgage, utilities, groceries, minimum debt payments, insurance premiums, transportation. Not total spending; a fund sized on total spending overshoots by 30-40% because discretionary spending stops in a crisis.
2. Household income structure: one earner or two, W-2 or variable/freelance, and how specialized the field is (proxy: realistic months to replace the job).
3. Current liquid savings and account type.
4. Any debt above 7-8% APR (changes the build order in Step 3).